MoneyLog｜부동산·경제 인사이트

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1. 금융소득 늘었더니 건보료가 오른 이유
2. 직장·지역가입자별 건보료 부과 기준 정리
3. 1,000만 원 vs 2,000만 원 기준, 뭐가 다를까?
4. 은퇴자 피부양자 자격, 어디서 탈락할까?
5. 해외주식·ETF, 건보료에 영향 주는 소득은?
6. 건강보험료 폭탄 피하는 금융소득 관리 전략
7. 자주 묻는 질문 Q&A
8. 한눈에 정리 | 핵심 요약

Many people feel relieved when they see dividend or interest income steadily coming into their bank accounts each month. For employees, it feels like a bonus beyond salary. For retirees, financial income often becomes a key source of living expenses.

Then one day, a National Health Insurance premium notice arrives. Looking at the amount, you might think:
“Earning more is good… but isn’t this too much?”

Online, you may hear conflicting explanations: “Health insurance premiums jump if financial income exceeds KRW 10 million,” while others say “Up to KRW 20 million is still safe.” No wonder it feels confusing — especially since the rules differ for employees and retirees.

The real risk is not knowing the exact thresholds. Without proper planning, you may suddenly become a local subscriber or lose dependent status, leading to hundreds of thousands of won in monthly premiums.

In this article, based on a certified tax accountant’s explanation, we clearly break down:
✔ Financial income thresholds for employees and retirees
✔ The real difference between KRW 10M and 20M
✔ When retirees lose dependent eligibility
✔ How overseas stocks and ETFs affect premiums
✔ Legal strategies to reduce health insurance burdens

If you already earn financial income — or plan to — this guide will help you avoid costly surprises later.

| Employee vs. Local Subscriber Rules

Health insurance premiums are not determined by financial income alone. The rules vary depending on your subscriber type and whether you have other income sources.

| KRW 10M vs. 20M: What’s the Difference?

The confusion comes from mixing up tax rules with health insurance premium rules.

KRW 20 million is the threshold for comprehensive income taxation, while KRW 10 million is the key threshold used by the National Health Insurance Service — especially for local subscribers.

Employee subscribers pay premiums only on the amount exceeding KRW 20M, while local subscribers pay premiums on the entire income once financial income exceeds KRW 10M.

This is why retirees face a much higher premium burden even with relatively modest financial income.

| When Do Retirees Lose Dependent Status?

After retirement, health insurance premiums become a major fixed expense. Many retirees reduce this burden by registering as dependents of their employed children.

However, even a small increase in financial income can immediately disqualify dependent status.

Eligibility depends on both income and assets. If either threshold is exceeded, the individual is converted into a local subscriber.

Property value is based on the tax assessment value, not market price — a point many people overlook.

| Which Overseas Investment Income Affects Premiums?

Not all overseas investment income affects health insurance premiums. The key factor is whether the income is subject to comprehensive taxation.

Dividends are included in comprehensive income and affect premiums, while capital gains from overseas-listed stocks or ETFs are classified as capital gains and do not.

A common mistake is assuming that domestically listed overseas ETFs are treated the same as overseas-listed ETFs — they are not.

| Practical Solutions to Avoid Premium Shock

Managing health insurance premiums starts before income is generated. The key is using tax-advantaged accounts and structuring income wisely.

ISA, pension savings, and IRP accounts exclude interest and dividends from comprehensive income, reducing premium impact.

For retirees, keeping financial income under KRW 10M per person through asset allocation is often the most effective approach.

아닙니다. 지역가입자의 경우 1,000만 원을 초과하면 초과분이 아니라 전체 금융소득이 건강보험료 계산 대상이 됩니다.

금융소득만 있다면 그렇습니다. 다만 사업소득·임대소득 등 다른 소득이 함께 있다면 모든 소득을 합산해 판단하므로 주의가 필요합니다.

해외 상장 주식·ETF의 매매차익은 양도소득(분류과세)으로 분류되어 건강보험료에는 반영되지 않습니다.

아닙니다. 국내 상장 해외주식 ETF는 매매차익이라도 배당소득으로 분류되어 건강보험료 계산에 포함될 수 있습니다.

포함되지 않습니다. ISA·연금저축·IRP 계좌 내에서 발생한 소득은 종합소득에 합산되지 않아 건강보험료 산정 대상에서 제외됩니다.

This section answers the most common questions about financial income and health insurance premiums.

Financial income is a good thing — but without proper planning, health insurance premiums can quietly become a heavy burden.

Especially for retirees, how income is structured often matters more than how much is earned.

Use this guide as a reference point to review your income strategy and avoid unexpected premium increases.